5544 Candia Ct · Mobile, AL 36693

$180,000

3 bd · 2.5 ba · 1,596 sqft · SingleFamily public records · 170 Days on market

Built 1984 10,872 sqft lot $113/sqft · 27% below area Est $246k · 27% under

---

Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +15.0/30.0
• ARV discount +15.0/15.0
• DSCR +4.6/10.0
• 1% rule +4.0/10.0
• Livability +3.8/5.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

5544 Candia Court is ready for it's new owners. This 3 bedroom, 2 1/2bath is perfect for the growing family. Master bedroom on the main floor. 1/2 Bath near kitchen for easy access. Nice open living area with fireplace. There is a fenced back yard and deck out back, Perfect for those spring days and weekend BBQ'S. Please schedule your personal tour with your favorite Realtor. May be subject to the Alabama One Year Right of Redemption.

Key facts

• Fenced back yard
• Deck out back
• 0.25 acre lot

Tags

• MASTER BEDROOM ON MAIN FLOOR
• FENCED BACK YARD
• DECK OUT BACK

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $180k.

Deal economics

• At list price, monthly cash flow is $56 ($678/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $163k (9.5% below list).
• Recommended offer: $158k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.7% vs local median 4.9% in Mobile — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 75/100 on livability (#20 in AL, #4,262 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D-, crime F, employment D-.
• Mobile County (urban): math 15% / reading 39% proficiency, ranked #81 of 129 in AL (top 63%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents flat; 142 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 1,678 units permitted in Mobile County in 2024 (264 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Mobile County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 170 days — a 12% lower offer ($158k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $35k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $158,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 170 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.90% ✗
• Cap rate: 6.67%
• Cash-on-cash: 1.34%
• DSCR: 1.06
• GRM: 9.2

CMA / ARV

• ARV (median comp): $246,426
• List price: $180,000
• Delta: -26.96%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5628 Candia Ct	0.14mi	3/2.0	1,576 (-1%)	0mo	$225,000	$143	89
3749 Vista Ridge Dr	0.05mi	3/2.5	1,671 (+5%)	11mo	$167,000	$100	81
3701 Arrington Dr	0.37mi	3/2.0	1,644 (+3%)	2mo	$253,000	$154	74
3581 Pepper Ridge Dr	0.35mi	3/2.0	1,550 (-3%)	9mo	$197,000	$127	69
3604 Pepper Ridge Dr	0.33mi	3/2.0	1,557 (-2%)	12mo	$203,500	$131	68
5408 Warrenton Ct	0.41mi	3/2.0	1,619 (+1%)	10mo	$205,000	$127	68
3561 Pepper Ridge Dr	0.39mi	3/2.0	1,563 (-2%)	12mo	$190,000	$122	66
4004 Isabel Way E	0.31mi	3/2.5	1,752 (+10%)	6mo	$260,000	$148	64
5209 Montiel Ct	0.26mi	3/2.0	1,755 (+10%)	12mo	$224,000	$128	59
3504 Pepper Ridge Dr	0.51mi	3/2.0	1,462 (-8%)	8mo	$199,000	$136	54
4317 Barden Ave	0.70mi	3/2.0	1,800 (+13%)	7mo	$160,000	$89	38
5903 Lumsden Battery Cir N	0.73mi	3/2.0	1,812 (+14%)	7mo	$215,000	$119	36

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.24% rent growth · sell at horizon

5-year hold

• IRR: -17.3%
• Equity multiple: 0.41×
• Total profit: $-29,955
• Equity at exit: $26,839

10-year hold

• IRR: -15.4%
• Equity multiple: 0.24×
• Total profit: $-38,474
• Equity at exit: $15,563

Cash invested: $50,400 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Alabama: 90 Strongly Landlord-Friendly · R+15
• County: — inherits STATE
• City: — inherits STATE

Right-to-evict in 7 days for non-payment; no rent control; preempted statewide; courts move quickly.

Methodology + full state rankings →

ZIP-level market 36693

• Home prices YoY: -28.1%
• Rents YoY: 0.2%
• Active inventory: 142
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,628 medium
• Mortgage (P&I): −$944
• Tax from tax record: −$211 /mo · $2,531/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$342
• Net cashflow: $56

Break-even live

Break-even rent $1,557

Max offer price $180,000

Occupancy floor 92%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $45,000
• Closing costs: $5,400
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4950 Government Blvd Mobile, AL	1.0–4.0	1.0–2.5	1225	$1,321	$1.08	13d	7	0.65mi
6190 Girby Rd Mobile, AL	1.0–3.0	1.0–2.0	1034	$1,789	$1.73	13d	15	0.98mi
1611 Rochelle St Mobile, AL	3.0	2.0	1085	$1,650	$1.52	21d	1	1.09mi
4361 Montclair Cir E Mobile, AL	3.0	2.0	1456	$1,700	$1.17	44d	1	1.49mi

Listing history 29 events

1. 2026-06-18
   days on market $180,000 Active 170 DOM
2. 2026-06-17
   days on market $180,000 Active 169 DOM
3. 2026-06-16
   days on market $180,000 Active 168 DOM
4. 2026-06-15
   days on market $180,000 Active 167 DOM
5. 2026-06-14
   days on market $180,000 Active 165 DOM
6. 2026-06-13
   days on market $180,000 Active 164 DOM
7. 2026-06-10
   days on market $180,000 Active 162 DOM
8. 2026-06-09
   days on market $180,000 Active 161 DOM
9. 2026-06-08
   days on market $180,000 Active 160 DOM
10. 2026-06-07
    days on market $180,000 Active 159 DOM
11. 2026-06-05
    days on market $180,000 Active 156 DOM
12. 2026-06-03
    days on market $180,000 Active 155 DOM
13. 2026-06-02
    days on market $180,000 Active 154 DOM
14. 2026-06-01
    days on market $180,000 Active 153 DOM
15. 2026-05-31
    days on market $180,000 Active 152 DOM
16. 2026-05-30
    days on market $180,000 Active 151 DOM
17. 2026-05-18
    price $180,000 442-char remark

    Show marketing remark (442 chars)

    5544 Candia Court is ready for it's new owners. This 3 bedroom, 2 1/2bath is perfect for the growing family. Master bedroom on the main floor. 1/2 Bath near kitchen for easy access. Nice open living area with fireplace. There is a fenced back yard and deck out back, Perfect for those spring days and weekend BBQ'S. Please schedule your personal tour with your favorite Realtor. May be subject to the Alabama One Year Right of Redemption.

18. 2026-04-15
    price $185,000 442-char remark

    Show marketing remark (442 chars)

    5544 Candia Court is ready for it's new owners. This 3 bedroom, 2 1/2bath is perfect for the growing family. Master bedroom on the main floor. 1/2 Bath near kitchen for easy access. Nice open living area with fireplace. There is a fenced back yard and deck out back, Perfect for those spring days and weekend BBQ'S. Please schedule your personal tour with your favorite Realtor. May be subject to the Alabama One Year Right of Redemption.

19. 2026-03-26
    status Active 442-char remark

    Show marketing remark (442 chars)

    5544 Candia Court is ready for it's new owners. This 3 bedroom, 2 1/2bath is perfect for the growing family. Master bedroom on the main floor. 1/2 Bath near kitchen for easy access. Nice open living area with fireplace. There is a fenced back yard and deck out back, Perfect for those spring days and weekend BBQ'S. Please schedule your personal tour with your favorite Realtor. May be subject to the Alabama One Year Right of Redemption.

20. 2026-03-25
    historical 442-char remark

    Show marketing remark (442 chars)

    5544 Candia Court is ready for it's new owners. This 3 bedroom, 2 1/2bath is perfect for the growing family. Master bedroom on the main floor. 1/2 Bath near kitchen for easy access. Nice open living area with fireplace. There is a fenced back yard and deck out back, Perfect for those spring days and weekend BBQ'S. Please schedule your personal tour with your favorite Realtor. May be subject to the Alabama One Year Right of Redemption.

21. 2026-03-13
    price $195,000 442-char remark

    Show marketing remark (442 chars)

    5544 Candia Court is ready for it's new owners. This 3 bedroom, 2 1/2bath is perfect for the growing family. Master bedroom on the main floor. 1/2 Bath near kitchen for easy access. Nice open living area with fireplace. There is a fenced back yard and deck out back, Perfect for those spring days and weekend BBQ'S. Please schedule your personal tour with your favorite Realtor. May be subject to the Alabama One Year Right of Redemption.

22. 2026-02-10
    price $205,000 442-char remark

    Show marketing remark (442 chars)

    5544 Candia Court is ready for it's new owners. This 3 bedroom, 2 1/2bath is perfect for the growing family. Master bedroom on the main floor. 1/2 Bath near kitchen for easy access. Nice open living area with fireplace. There is a fenced back yard and deck out back, Perfect for those spring days and weekend BBQ'S. Please schedule your personal tour with your favorite Realtor. May be subject to the Alabama One Year Right of Redemption.

23. 2025-12-29
    listed $215,000 Active 442-char remark

    Show marketing remark (442 chars)

    5544 Candia Court is ready for it's new owners. This 3 bedroom, 2 1/2bath is perfect for the growing family. Master bedroom on the main floor. 1/2 Bath near kitchen for easy access. Nice open living area with fireplace. There is a fenced back yard and deck out back, Perfect for those spring days and weekend BBQ'S. Please schedule your personal tour with your favorite Realtor. May be subject to the Alabama One Year Right of Redemption.

24. 2021-08-31
    soldstatus $175,000
25. 2021-08-27
    soldstatus $175,000
26. 2019-07-24
    soldstatus $156,000
27. 2018-07-27
    soldstatus $115,417
28. 2006-08-04
    soldstatus $138,100
29. 2005-11-21
    soldstatus $138,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast AL · Resets to sale price

• Current annual tax: $2,531 · $211/mo
• Projected year-2 tax: $2,531 · $211/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,539
• − Mortgage interest: −$10,083
• − Property taxes: −$2,531
• − Insurance: −$900
• − Repairs & maintenance: −$1,563
• − Management: −$1,563
• − Depreciation: −$5,236
• Taxable loss: −$2,337
• Est. tax savings @ 24.0%: +$561
• After-tax cash flow: $1,239/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Mobile County
• NCES district ID: 0102370
• Math proficiency: 15% ▼ -28.00%
• Reading proficiency: 39% ▬ 0.00%
• Median HH income: $42,455
• Composite: 22.9/100
• National rank: #8002
• State rank: #81 of 129 in AL

Livability — Mobile

• Score: 75/100
• State rank: #20
• US rank: #4262

Category grades

Amenities B- Commute A+ Cost of living A+ Crime F Employment D- Housing A+ Health & safety A+ User ratings D-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mobile, AL
• County: Mobile County · 246,577 people
• City population: 205,729
• Metro: Mobile, AL
• Population (ZIP): 18,726
• Household income: $68,933
• Rent vs Own: 30.1% rent · 69.9% own
• Severe rent burden: 498.0

Population outlook (Mobile County) Hauer SSP2

• Today (2025): 415,303 people
• By 2030: 411,755 · -0.9%
• By 2040: 399,670 · -3.8%
• By 2050: 382,616 · -7.9%
• By 2075: 337,353 · -18.8%
• By 2100: 283,391 · -31.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (65%)
• Race & ethnicity: White 65% Black 23% Hispanic / Latino 5% Asian 4% Two or more races 4%
• Common ancestry: Slovak 4% Italian 3% Serbian 2%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 90% English-only · Spanish 4% Tagalog/Filipino 2% Vietnamese 1%

Political lean MEDSL · Mobile

• 2024 margin: R (+16.4) · D 41.3% · R 57.7%
• 2008→2024 swing: -7.7pp toward R · 2008: -8.7pp · 2024: -16.4pp
• All cycles: 2024: R+16.4 2020: R+11.9 2016: R+13.9 2012: R+9.3 2008: R+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -71.22%
• Current HPI: 182.6406
• Rent YoY: ▲ 0.24%
• Metro: Mobile, AL
• State GDP YoY: ▲ 2.94%
• F500 in state: 4

Industry mix (Fortune 500 HQ in AL)

Industry	F500 HQs	Revenue
▸Financial Services	1	$8B
▸Healthcare	1	$5B

Price history

+30.4% since first listed

13 events — show timeline

• 2026-05-18 Price Changed $180,000 GCMLS AL
• 2026-04-15 Price Changed $185,000 GCMLS AL
• 2026-03-26 Relisted — GCMLS AL
• 2026-03-25 Delisted — GCMLS AL
• 2026-03-13 Price Changed $195,000 GCMLS AL
• 2026-02-10 Price Changed $205,000 GCMLS AL
• 2025-12-29 Listed $215,000 GCMLS AL
• 2021-08-31 Sold (Public Records) $175,000 Public Records
• 2021-08-27 Sold (MLS) $175,000 GCMLS AL
• 2019-07-24 Sold (Public Records) $156,000 Public Records
• 2018-07-27 Sold (Public Records) $115,417 Public Records
• 2006-08-04 Sold (Public Records) $138,100 Public Records
• 2005-11-21 Sold (Public Records) $138,000 Public Records

Property tax history

+12.0%/yr

Latest (2025): $2,531 · -1.0% YoY. Source: county tax records.